How do I adjust the sensitivity of zooming and panning?
I hate these useless moderators.  The scroll sensitivity is a windows issue, not necessarily blender.  Google answered my question at the tip top of my search:
Change Mouse Scroll Speed in Windows 10
Open the Settings app.
Go to Devices -&gt; Mouse.
On the right, select Multiple lines at a time under Roll the mouse wheel to scroll.
Adjust the slider position to specify the number of lines between 1 to 100 lines at a time.